Loans in Grimsby

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The history of Grimsby suggests that the town was named by the invading Danes – the Viking word for village being ‘by’ and therefore the original name meaning Grims village. Whoever Grim may have been we may never know. However, there are plenty of things we can find more information about, including the best personal loans in Grimsby for you.
 
Take a look at our comparison table below to find out more. All of the best personal loans available are ranked by price, the time it takes to apply and our unique customer friendliness rating, Optio Score, making it easy for you to see all of the information you need in one place.

You can personalise these results with our loan search.

APR
Chance of approval
Time to apply
OPTIOSCORE
Sort by: APR%
  • APR%
  • OPTIOSCORE
  • Time to apply
  • Company
Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 3.3% APR and an annual interest rate of 3.00% (fixed), you would pay 60 monthly instalments of £180.80. The total charge for credit will be £848.30 and the total amount payable will be £10,848.30.

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for Zopa Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 24 - 60 months

Top choice for

  • Allow for early repayments
  • Allow for top-ups
  • Allow for overpayments
  • Competitive APR rates

Watch out for

  • You will require a good credit history
  • A borrowing fee is charged (this is included in your monthly repayments and total amount repayable)

The bare minimum

  • You must be at least 18 years old
  • You must have a current account in your own name with a UK bank
  • You must have been a UK resident
Representative Example: If you borrow £1,500 over 24 months at a Representative rate of 99.9% APR and an annual interest rate of 71.30% (fixed), you would pay 24 monthly instalments of £118.88. The total charge for credit will be £1,353.12 and the total amount payable will be £2,853.12.

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for 118 118 Money

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £5,000
Loan term: 12 - 24 months

Top choice for

  • No interest on your birthday.
  • Late fee refund if you pay them back on time for the next three months
  • Consider applicants with a less than perfect credit history
  • Online account management

Watch out for

  • Not designed for those with a perfect credit history
  • You must apply online
  • Low acceptance rate

The bare minimum

  • You must be UK resident
  • You must have a monthly net income of more than £700
  • You must have a UK bank account and debit card
  • You must be aged between 18-70
  • You must be employed or self employed
Representative Example: If you borrow £10,000 over 24 months at a Representative rate of 3.5% APR and an annual interest rate of 3.40% (fixed), you would pay 24 monthly instalments of £431.98. The total charge for credit will be £367.52 and the total amount payable will be £10,367.52.

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for RateSetter Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 6 - 60 months

Top choice for

  • More competitive rates than with the banks
  • Rates are based on your personal circumstances, loan amount and loan term

Watch out for

  • In order to get more competitive rates you need to have good credit history
  • You must have a regular income
  • You must have been a UK resident for 3 years or more

The bare minimum

  • Must have good credit history
  • You cannot be on Debt Management, an IVA or be bankrupt
  • You must be at least 21 years of age
  • You must have a regular income
  • You must have a valid UK bank account
  • You need to have been a UK resident for 3 years or longer
Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 39.9% APR and an annual interest rate of 34.00% (fixed), you would pay 36 monthly instalments of £178.69. The total charge for credit will be £2,432.75 and the total amount payable will be £6,432.75.

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for TrustTwo

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £7,500
Loan term: 13 - 60 months

Top choice for

  • You don't need to have a good credit history
  • Your guarantor doesn't have to be a homeowner

Watch out for

  • Your guarantor must have a good credit history
  • Your guarantor must be aged between 25 and 74

The bare minimum

  • You must be 18 years of age or older to apply
  • You must have a credit or debit card to apply
  • You don't need to have a good credit history
Representative Example: If you borrow £3,000 over 36 months at a Representative rate of 45.4% APR and an annual interest rate of 23.00% (fixed), you would pay 36 monthly instalments of £140.84. The total charge for credit will be £2,070.24 and the total amount payable will be £5,070.24.

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for 1 Plus 1

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Average customer rating

0 out of 5

Key Facts
Loan amount: £500 - £5,000
Loan term: 12 - 60 months

Top choice for

  • You don't need to have a good credit history
  • Existing customers can borrow up to £5,000
  • Quick application, money usually transferred within 24 hours
  • Competitive APR

Watch out for

  • You must have a guarantor
  • Your guarantor must own their own home
  • Your guarantor must be older than 18 years old and no older than 75 years when the loan completes
  • Your guarantor will need to make the repayments if you cant afford to
  • You don't have to be registered on the electoral roll but it does help to speed up application

The bare minimum

  • You must be a UK resident
  • You must be aged 18 or over to apply
  • You must have a UK bank account with a valid debit card
  • Your guarantor must own their own home
Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 49.9% APR and an annual interest rate of 49.90% (variable), you would pay 36 monthly instalments of £195.16. The total charge for credit will be £3,025.76 and the total amount payable will be £7,025.76.

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for Amigo Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £500 - £7,500
Loan term: 12 - 60 months

Top choice for

  • No fees of any kind
  • You don't need to have a good credit history
  • You don't need to have direct debit facilities
  • Your guarantor does not need to own their home
  • You don't have to have been a resident of the UK for a specified length of time

Watch out for

  • You will need a guarantor
  • If you have a poor credit history, it's likely your guarantor will need to be a homeowner
  • Your guarantor will need to make your repayments if you can't afford to

The bare minimum

  • You must be between 18-75 years old at the time of applying
  • You need to be a UK resident
  • You need to be able to comfortably afford repayments
  • You can't be on an IVA or bankrupt
Representative Example: If you borrow £3,000.00 over 24 months at a Representative rate of 79.4% APR and an annual interest rate of 59.9% (fixed), you would pay 24 monthly instalments of £217.24. The total charge for credit will be £2,213.68 and the total amount payable will be £5,213.68.

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for Everyday Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £15,000
Loan term: 24 - 60 months

Top choice for

  • You don't need to have a good credit history
  • You don't need a guarantor
  • Better rates offered dependant on credit history

Watch out for

  • You must visit a branch to complete an application
  • No online account management

The bare minimum

  • You must have a UK bank account with direct debit facilities
  • You must have lived in the UK for one year or longer
  • You must be at least 18 years old
Representative Example: If you borrow £2,700 over 6 months at a Representative rate of 46.5% APR and an annual interest rate of 3.38% (fixed), you would pay 6 monthly instalments of £548.00. The total charge for credit will be £568.00 and the total amount payable will be £3,268.00.

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for FundingSecure

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Average customer rating

0 out of 5

Key Facts
Loan amount: £500 - £10,000
Loan term: 1 - 6 months

Top choice for

  • No credit checks
  • Lower fees compare to other pawnbrokers
  • No early repayment fees

Watch out for

  • You need to have assets to borrow against

The bare minimum

  • Must be over 18 years old
  • You must have assets to borrow against like luxury watches, diamonds, jewellery, gold, silver, cars, motorbikes, fine art, yachts and boats
Representative Example: If you borrow £3,500 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 31.90% (fixed), you would pay 36 monthly instalments of £170.56. The total charge for credit will be £2,640.16 and the total amount payable will be £6,140.16.

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for George Banco

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £7,500
Loan term: 12 - 60 months

Top choice for

  • They do not require you or your guarantor to be homeowners
  • Fast track same day payout
  • We found a remarkable amount of positive online reviews about their customer service
  • They're one of only a few guarantor lenders to offer online account management
  • They offer top-ups and add-ons if you make your repayments on time

Watch out for

  • You guarantor must be over 25 and have a regular income
  • Like any guarantor loan, your guarantor will have to make your repayments if you can't afford to
  • Their online application form is not quick or simple
  • They charge an administration fee which is deducted from the advance

The bare minimum

  • You will need a guarantor
  • Must have a valid UK debit card
  • Must have a UK bank account
  • Must be a UK resident
  • Have a minimum income after tax of £1000
Representative Example: If you borrow £5,000 over 36 months at a Representative rate of 7.6% APR and an annual interest rate of 4.70% (fixed), you would pay 36 monthly instalments of £155.22. The total charge for credit will be £587.88 and the total amount payable will be £5,587.88.

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for Lending Works

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 36 months

Top choice for

  • You do not need to have perfect credit rating, but you are not allowed to have any CCJ's or defaults
  • Peer-to-Peer lending allowing low APR
  • No early repayment fees
  • Ability to make over payments

Watch out for

  • Must be 21 and or over (for better rates you need to be 25 and over)
  • You must earn at least £14,000 a year
  • You must not have high levels of unsecured debt, CCJ's or defaults

The bare minimum

  • No early repayment fees
  • Ability to make over payments
  • Must be 21 or over
  • You must earn at least £14,000 a year
  • You must not have high levels of unsecured debt, CCJ's or defaults
Representative Example: If you borrow £2,000 over 36 months at a Representative rate of 45.3% APR and an annual interest rate of 38.00% (fixed), you would pay 36 monthly instalments of £93.90. The total charge for credit will be £1,380.40 and the total amount payable will be £3,380.40.

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for Onstride

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £10,000
Loan term: 12 - 60 months

Top choice for

  • There are no fees for late payments
  • Rates are based on your credit history
  • Your credit history is not affected during application process

Watch out for

  • You must be employed and receive regular income

The bare minimum

  • You must be 18 years old or over
  • You must be a UK resident
  • You must be employed and receiving regular income
  • You must have a valid UK bank account with a debit card
Representative Example: If you borrow £7,500 over 60 months at a Representative rate of 3.9% APR and an annual interest rate of 3.90% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753.00 and the total amount payable will be £8,253.00.

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for Ulster Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 84 months

Top choice for

  • You do not need to be their customer to apply
  • Existing customers might qualify for discounts
  • You can borrow for up to 10 years for home improvements
  • They accept any employment status other than people currently on Job Seeker's Allowance

Watch out for

  • You must have a good credit history
  • You must have been a UK resident for 3 years or longer
  • Beware loan rates will differ depending on how much you borrow

The bare minimum

  • If you hold a current account with Ulster Bank, you may not need to provide any documents - if you don't, you may need to provide proof of income
  • They accept any employment status other than people currently on Job Seeker's Allowance
  • You must be 18 years of age or older to apply
  • You must have a bank account with direct debit facilities
  • You must have a good credit history
  • You must have been a UK resident for 3 years or longer
Representative Example: If you borrow £3,000.00 over 36 months at a Representative rate of 48.9% APR and an annual interest rate of 10% (fixed) and annual service fee of 30.48% (fixed) , you would pay 36 monthly instalments of £145.17. The total charge for credit will be £2,226.12 and the total amount payable will be £5,226.12.

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for Guarantor My Loan

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £5,000
Loan term: 12 - 60 months

Top choice for

  • Your guarantor can be your spouse
  • Relatively low rates for homeowner borrowers
  • Slightly lower than market average rate for tenant borrowers

Watch out for

  • Not sure what "Annual service fees" are but they sound scary
  • Max loan amount is just £5000
  • You'll most likely need a better credit profile than with other guarantor lenders

The bare minimum

  • You will need a guarantor to support your application
  • You must be a UK resident
  • You need to be over the age of 18 to apply
  • You can't have any active CCJs, IVAs or a history of bankruptcy
Representative Example: If you borrow £5,000 over 48 months at a Representative rate of 38.7% APR and an annual interest rate of 18.58% (fixed), you would pay 48 monthly instalments of £189.38. The total charge for credit will be £4,090.24 and the total amount payable will be £9,090.24.

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for 1st Stop Personal Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £2,000 - £15,000
Loan term: 24 - 72 months

Top choice for

  • Online decision in minutes
  • No upfront fees
  • Both homeowners and tenants

Watch out for

  • Must be aged between 21 and 65
  • Must be in permanent full time employment for a minimum of 6 months
  • Soft credit searching

The bare minimum

  • Must be a UK resident
  • Must be aged between 21 and 65
  • Must be in permanent full time employment
  • Earn a gross annual income greater than £15,000 per annum
Representative Example: If you borrow £4,500 over 126 months (199 months after graduation) at a Representative rate of 11.22% APR and an annual interest rate of 11.10% (variable); after graduation 9.10% pa.(variable), you would pay 5 payments of £30/month, until 3 months after graduation; 119 payments of £61.90/month; 1 payment of £61.50. The total charge for credit will be £2,077.60 and (inc. set up fee of £292.50) the total amount payable will be £7,577.60.

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for Future Finance

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Average customer rating

0 out of 5

Key Facts
Loan amount: £2,500 - £40,000
Loan term: 1 - 150 months

Top choice for

  • For University Students
  • Low repayment amounts until you graduate, capped at £75 per month
  • Interest rate reduction after graduation

Watch out for

  • Only for university students

The bare minimum

  • You need to be a student in order to apply, undergraduate or postgraduate, full or part-time, domestic or international university student in the UK.
  • You need to be 18 years of age or above
Representative Example: If you borrow £2,000 over 24 months at a Representative rate of 47.9% APR and an annual interest rate of 47.90% (fixed), you would pay 24 monthly instalments of £122.14. The total charge for credit will be £931.36 and the total amount payable will be £2,931.36.

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for Likely Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £5,000
Loan term: 12 - 36 months

Top choice for

  • No arrangement or early redemption fees
  • Online application process
  • You can borrow exactly what you need to the nearest £1
  • You can have bad credit and still get accepted

Watch out for

  • Whilst applications are done online, the decision making process is not
  • They have 100s of positive reviews on FeeFo.com that simply say "Likely Loans - Feedback" 😬

The bare minimum

  • You need to be at least 18 years old and a UK resident
  • You'll need a bank or building society account with direct debit facilities
  • You must be receiving either a regular salary or pension
  • You can't have been bankrupt within the last 12 months
Representative Example: If you borrow £3,500 over 36 months at a Representative rate of 49.5% APR and an annual interest rate of 49.50% (fixed), you would pay 36 monthly instalments of £170.41. The total charge for credit will be £2,634.76 and the total amount payable will be £6,134.76.

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for Glo

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £7,000
Loan term: 12 - 60 months

Top choice for

  • There are no fees
  • They have a fixed interest rate
  • Both you and your guarantor can be tenants

Watch out for

  • You must have a guarantor

The bare minimum

  • You must have a guarantor to apply for this loan
  • A good credit history isn't necessary
  • You must be UK resident aged 18 or over to apply
  • Your guarantor must be aged between 21 and 69
Representative Example: If you borrow £2,600.00 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 41.00% (fixed), you would pay 35 monthly instalments of £126.61 and a final payment of £126.54. The total charge for credit will be £1,957.89 and the total amount payable will be £4,557.89.

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for Bamboo Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £8,000
Loan term: 12 - 60 months

Top choice for

  • You don't need to have a good credit history
  • Your guarantor does not need to be a home owner
  • Your guarantor can be your partner

Watch out for

  • To apply for this loan, your guarantor must have a good credit rating
  • Your guarantor must be 21 or over
  • You must have a regular income

The bare minimum

  • You must be over 18
  • You must have a guarantor but they do not need to be a home owner
  • You must have a bank account and debit account
Representative Example: If you borrow £4,500.00 over 48 months at a Representative rate of 48.9% APR and an annual interest rate of 25.84% (fixed), you would pay 48 monthly instalments of £190.65. The total charge for credit will be £4,651.20 and the total amount payable will be £9,151.20.

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for TFS Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £15,000
Loan term: 24 - 60 months

Top choice for

  • You can apply with bad credit
  • Quick turnaround from application to payout
  • No additional fees

Watch out for

  • Your guarantor must be between 18 and 78 years old
  • Your guarantor must be a UK homeowner
  • Your guarantor must have a regular source of income
  • You will need to be a homeowner in order to apply for the larger amounts

The bare minimum

  • You must be at least 18 years old
  • You must receive a regular income
  • You must have a guarantor
Representative Example: If you borrow £1,000 over 18 months at a Representative rate of 99.0% APR and an annual interest rate of 70.83% (fixed), you would pay 18 monthly instalments of £91.68. The total charge for credit will be £650.24 and the total amount payable will be £1,650.24. This includes a processing and payout fee of £100 which is 10% of your loan and also £550.24 interest at 70.83% (pa.fixed).

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for Savvy

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Average customer rating

0 out of 5

Key Facts
Loan amount: £300 - £3,000
Loan term: 12 - 24 months

Top choice for

  • No early repayment charges

Watch out for

  • You must be in full-time employment
  • There is a 10% of the loan amount processing and payout fee
  • You must provide either your most recent payslip or 2 months of bank statements by text or email, showing your wage entering your account.

The bare minimum

  • You must be in full-time employment
  • You must be over 18 years old
  • You must be a UK resident
  • You must hold a bank account with direct debit and debit card facility
Representative Example: If you borrow £4,500 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 7.72% (fixed), you would pay 36 monthly instalments of £144.10. The total charge for credit will be £687.60 and the total amount payable will be £5,187.60.

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for Lendable

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £15,000
Loan term: 12 - 60 months

Top choice for

  • No upfront fees or hidden charges
  • Quick quotes
  • People earning £10k + per year

Watch out for

  • No CCJs
  • No recent defaults.
  • No more than 3 recent missed payments

The bare minimum

  • No CCJs
  • No recent defaults.
  • No more than 3 recent missed payments
  • Minimum Income of £10,000 per year
  • Be an individual residing in the UK
  • Have a current account at a UK bank or building society
  • Be at least 18 years old
Representative Example: If you borrow £6,000 over 36 months at a Representative rate of 40.4% APR and an annual interest rate of 40.41% (variable), you would pay 36 monthly instalments of £269.45. The total charge for credit will be £3,700.08 and the total amount payable will be £9,700.08.

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for Progressive Money

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £15,000
Loan term: 24 - 180 months

Top choice for

  • You don’t need to have a good Credit History
  • Deals underwritten manually so not reliant on just a credit score
  • Your credit history is not affected during application process
  • Unsecured Loan for homeowners

Watch out for

  • You must earn minimum £800 per month
  • You must be a homeowner
  • You must be employed or self employed

The bare minimum

  • Must own and live in own home
  • Must be employed earning £800 net per month
  • Aged between 21-68
Representative Example: If you borrow £2,500 over 24 months at a Representative rate of 49.9% APR and an annual interest rate of 41.16% (variable), you would pay 24 monthly instalments of £154.54. The total charge for credit will be £1,250.17 and the total amount payable will be £3,750.17.

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for Buddy Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £7,500
Loan term: 12 - 60 months

Top choice for

  • You don't need to have a good credit history
  • In most instances, applications are approved within 24 hours
  • There are no early redemption fees
  • If you're a tenant, your guarantor does not have to be a homeowner

Watch out for

  • Guarantor loan product
  • The rates are at the higher end of the guarantor loan market
  • Your guarantor will need to have a decent income and good credit history

The bare minimum

  • You will need to have a guarantor
  • You must be a UK resident and over the age of 18
  • You will need to be able to comfortably afford repayments
  • You can't be on an IVA or bankrupt
Representative Example: If you borrow £7,500 over 60 months at a Representative rate of 3.9% APR and an annual interest rate of 3.90% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753.00 and the total amount payable will be £8,253.00.

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for AA Personal Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 84 months

Top choice for

  • Fixed monthly repayments
  • No arrangement or set up fee
  • Loan terms of 1-7 years

Watch out for

  • You must be aged between 21 and 70
  • You must have a minimum annual income of £12k
  • You must have a UK based bank or building society account that can pay direct debits
  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

The bare minimum

  • You must be aged between 21 and 70
  • Bank account with Direct Debit Facility
  • You must have a minimum annual income of £12k
Representative Example: If you borrow £11,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.90% (fixed), you would pay 60 monthly instalments of £206.54. The total charge for credit will be £1,392.52 and the total amount payable will be £12,392.52.

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for Barclays Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £50,000
Loan term: 24 - 60 months

Top choice for

  • They offer price guarantee on their loans on like-for-like loans (terms and conditions apply)
  • As their customer you can have a pre-selected loan limit, without affecting your credit rating
  • Instant money when you apply online

Watch out for

  • You need to have Barclays current account for over 7 months
  • Beware loan rates will differ depending on how much you borrow

The bare minimum

  • Held a Barclays current account for over 7 months
  • Paid at least £1,000 into your account each month
  • You must have a good credit history
Representative Example: If you borrow £6,000 over 48 months at a representative rate of 9.9% APR and an annual interest rate of 9.48% (fixed), you would pay 48 monthly instalments of £150.67. The total charge for credit will be £1232.16 and the total amount payable will be £7,232.16

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for Bank of Scotland Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £2,499
Loan term: 12 - 60 months

Top choice for

  • Online account management
  • Instant decision when you apply online
  • Fixed loan repayments over 1 to 7 years
  • No early repayment fee
  • Overpay as much as you want, when you want

Watch out for

  • Beware loan rates will differ depending on how much you borrow
  • You can't have been declined credit in the last month
  • You need: address details including your postcode for the past 3 years, your bank/building society details, your annual income and monthly outgoings such as rent/mortgage repayments, your employer's name and address

The bare minimum

  • You must be in paid employment and not in full time education
  • You must be over 18 years of age
  • You must have a bank/building society account
  • You must have a permanent UK address
  • You must have one of the following Bank of Scotland products; current account (excluding Easycash), savings account, credit card or personal loan. You can also qualify if you have a Halifax mortgage
  • You must have a perfect credit history
Representative Example: If you borrow £12,500 over 48 months at a Representative rate of 4.8% APR and an annual interest rate of 4.8% (fixed), you would pay 47 monthly instalments of £285.08 and final instalment of 284.89 The total charge for credit will be £1183.65 and the total amount payable will be £13,683.65.

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for Clydesdale Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 60 months

Top choice for

  • You do not need to a be current customer
  • Online account management
  • Repayment terms of up to 7 years on loan amounts greater than £7,500
  • Rates available online, in branch or via telephone
  • Instant decision (during their opening hours)
  • Allow for loan top-ups

Watch out for

  • Early repayment charges
  • Rates offered will differ dependent on personal circumstances and the amount borrowed

The bare minimum

  • You must be aged 18 or over.
  • You have a permanent UK address
  • You have a good credit history
  • You have a UK bank account
  • You have a debit and/or credit card
Representative Example: If you borrow £7,500 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £140.83. The total charge for credit will be £949.80 and the total amount payable will be £8,449.80.

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for Co-Operative Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £2,000 - £25,000
Loan term: 12 - 84 months

Top choice for

  • No arrangement fees
  • Online account management

Watch out for

  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history
  • If you repay your loan early, you will incur fees

The bare minimum

  • You must be 18 years old of over
  • You must be a UK resident
  • You must not be subject to any CCJs
  • You must be a Co-operative Bank or Britannia customer and have held your account for a minimum of 1 month.
  • You must not have missed more than 3 payments on any credit agreement in the last 6 months
Representative Example: If you borrow £7,000 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £126.99. The total charge for credit will be £619.28 and the total amount payable will be £7,619.28.

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for First Direct Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 84 months

Top choice for

  • Easy online application and loan management

Watch out for

  • Only for existing First Direct customers
  • You must be in full-time, part-time or self-employment earning at least £700 per month
  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

The bare minimum

  • You must be 18 years of age or older to apply
  • You must be in full-time, part-time or self-employment earning at least £700 per month
  • You must have a First Direct 1st account to apply
  • You must have a good credit history
  • You must have been a UK resident for 3 years or longer
  • You will need: Proof of ID, bank statement, utility bill, 3 months banking history
Representative Example: If you borrow £8000 over 60 months at a representative rate of 3.3% APR and an annual interest rate of 3.3% (fixed), you would pay 60 monthly instalments of £144.64. The total charge for credit will be £678.64 and the total amount payable will be £8,678.64.

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for HSBC Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 60 months

Top choice for

  • Instant decision (subject to planned maintenance periods)
  • Overpayments or part payments allowed without charge
  • Repayment holidays available - although more interest will be payable
  • You may not need to provide any documents if you are a current account holder

Watch out for

  • Loan rates will differ depending on how much you borrow
  • You must have a good credit history

The bare minimum

  • You may not need to provide any documents if you are a current account holder
  • You must be 18 years of age or older to apply
  • You must be in full-time, part-time or self-employment earning at least £700 per month
  • You must have been a UK resident for 3 years or longer
Representative Example: If you borrow £6000 over 48 months at a Representative rate of 9.9% APR and an annual interest rate of 9.48% (fixed), you would pay 48 monthly instalments of £150.67. The total charge for credit will be £1232.16 and the total amount payable will be £7232.16.

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for Halifax Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 84 months

Top choice for

  • Apply for and manage your loan in branch, over the phone or online
  • No charge to pay off your loan early for Clarity loan customers

Watch out for

  • Certain purposes of loan may be excluded or have limited repayment periods
  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

The bare minimum

  • Must be in full time employment
  • You cannot be in full time education
  • You cannot have a history of bad credit (e.g. arrears, CCJs, deaults or bankruptcy)
  • You cannot have been declined credit in the last month
  • You must be 18 years or older to apply
  • You must be an existing Halifax customer with at least one of the following Halifax accounts: current (excluding Easycash), mortgage, savings, credit card or loan
  • You must have a permanent UK address
  • You need: address details including your post code for the past 3 years, bank/building society details, annual income and monthly outgoings (rent/mortgage payments), employer's name and address
Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.8% APR and an annual interest rate of 3.8% (fixed), you would pay 60 monthly instalments of £137.22. The total charge for credit will be £733.20 and the total amount payable will be £8,233.20.

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for Hitachi Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £2,500 - £25,000
Loan term: 24 - 60 months

Top choice for

  • One of the lowest APR rates in personal loans sector

Watch out for

  • You need to be aged 21 or over
  • Hold a bank or building society account
  • Have been a permanent UK resident for at least 1 year
  • You are in permanent paid employment, self-employed or retired with a pension
  • Have a good credit history
  • Beware loan rates will differ depending on how much you borrow

The bare minimum

  • You need to be aged 21 or over
  • Hold a bank or building society account
  • Have been a permanent UK resident for at least 1 year
  • You are in permanent paid employment, self-employed or retired with a pension
  • Have a good credit history
Representative Example: If you borrow £6000 over 60 months at a Representative rate of 12.9% APR and an annual interest rate of 12.19% (fixed), you would pay 60 monthly instalments of £134.06. The total charge for credit will be £2043.60 and the total amount payable will be £8043.60.

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for Lloyds Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 60 months

Top choice for

  • No charge to pay off your loan early on their Flexible Loan
  • A personalised quote with no credit footprint
  • Great flexibility, with the option to overpay or even take a loan repayment holiday
  • Online account management

Watch out for

  • You must be their customer for more than 3 months
  • Beware loan rates will differ depending on how much you borrow
  • Not suitable if you have a poor credit history

The bare minimum

  • You must be 18 years of age or older to apply
  • You must be in full-time, part-time or self-employment
  • You must have a good credit history
  • You must a resident of the UK
  • You must have had a Lloyds Current Account with Direct Debit facilities for more than 3 months
Representative Example: If you borrow £7,500 over 36 months at a representative rate of 14.9% APR and an annual interest rate of 13.97% (fixed), you would pay 36 monthly instalments of £256.22. The total charge for credit will be £1,723.92 and the total amount payable will be £9,223.92.

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for Moneyway Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £15,000
Loan term: 12 - 60 months

Top choice for

  • You could get an instant online decision
  • Will consider those with a less than perfect credit file
  • Online account management
  • Applying with Moneyway will not affect your credit file

Watch out for

  • Watch out for failed payment charges
  • Rates will differ dependent on personal circumstances and how much you borrow

The bare minimum

  • You must be at least 21 years old
  • You must have a regular income of £15,000
  • You must be a UK resident
Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.9% APR and an annual interest rate of 3.9% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753 and the total amount payable will be £8,253.

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for NatWest Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 60 months

Top choice for

  • Instant online decision
  • No impact on credit rating for quotes
  • Loan for up to 10 years if borrowing for home improvements

Watch out for

  • You must have a good credit history
  • Beware loan rates will differ depending on how much you borrow

The bare minimum

  • You may need to provide some proof of identity documents (e.g. passport/driving license)
  • You must be 18 years of age or older
  • You must be in full-time, part-time or self employment OR retired with a regular income
  • You must have a good credit history
  • You must have been a UK resident for 3 years or longer
  • You must have NatWest bank account with direct debit facilities
Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.4% APR and an annual interest rate of 3.4% (fixed), you would pay 60 monthly instalments of £181.24. The total charge for credit will be £874.40 and the total amount payable will be £10,874.40.

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for Nationwide Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 60 months

Top choice for

  • Cheaper interest rates if you have paid £750 or more per month into your FlexAccount for the last 3 months OR if you agree to transfer all your direct debits and standing orders from your account with another bank using their Account Transfer Service
  • Competitive rates
  • No fees
  • Online account management
  • No obligation free quote
  • Loyalty Price Promise for existing customers

Watch out for

  • You must have a good credit history
  • Loan rates will differ depending on how much you borrow
  • If you are not a Nationwide customer you may be asked to provide additional documents in order to prove your identity
  • The lowest rates are for current Nationwide customers only

The bare minimum

  • You must have been living in the UK for the last 12 months and have the right to work in the UK
  • You must be in full-time, part-time or self-empoyment earning £700 per month
  • You must not have had 3 missed payments on any credit over the past 12 months
  • You need to have a bank account with direct debit facilities
  • You must be at least 18 years old
Representative Example: If you borrow £7,500 over 36 months at a Representative rate of 6.2% APR and an annual interest rate of 62% (fixed), you would pay 36 monthly instalments of £228.75. The total charge for credit will be £735 and the total amount payable will be £8235.

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for QuidCycle Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £2,500 - £25,000
Loan term: 12 - 60 months

Top choice for

  • Earn up to 4% bonus for financial success - terms apply
  • Provide financial education to help achieve your goals
  • Online account management
  • You can choose your repayment date

Watch out for

  • Loans must be used to consolidate debts
  • You must have a reasonable credit history with no CCJs or defaults three years prior to application
  • There is a fee for using Quidcycle (this is not upfront and included in your monthly repayments and the total amount repayable)

The bare minimum

  • You must have a bank account with direct debit facilities
  • You must be at least 21 years old
  • You must be a UK resident
  • You must be receiving a regular Income
Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 3.4% APR and an annual interest rate of 3.30% (fixed), you would pay 60 monthly instalments of £181.24. The total charge for credit will be £874.40 and the total amount payable will be £10,874.40.

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for Sainsbury's Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £40,000
Loan term: 12 - 84 months

Top choice for

  • Lower rates for active Nectar card members
  • Optional 2 month repayment holiday at the start of the loan
  • Price Promise on like-for-like loan elsewhere

Watch out for

  • They do not offer loans to people who have been refused credit in the past 30 days
  • You must have been a UK resident for 1 year or longer and have a permanent UK address
  • You must be 18 years of age or older to apply
  • You must be in full-time, part-time or self employment earning £800 per month
  • You must not have a history of bad credit such as arrears, CCJ's, payment defaults or bankruptcy
  • You cannot have been declined credit within t
  • Beware loan rates will differ depending on how much you borrow

The bare minimum

  • You need: bank/building society details, residential address for the last 3 years, details of monthly income/outgoings, employer's name and address and Nectar card number (if applicable)
  • You cannot have been declined credit within the last month
  • You must be 18 years of age or older to apply
  • You must be in full-time, part-time or self employment earning £800 per month
  • You must have a bank account or building society account with Direct Debit facilities
  • You must have been a UK resident for 1 year or longer and have a permanent UK address
  • You must not have a history of bad credit such as arrears, CCJ's, payment defaults or bankruptcy
Representative Example: If you borrow £10,000 over 60 months at a representative rate of 3.6% APR and an annual interest rate of 3.6% (fixed), you would pay 60 monthly instalments of £182.28. The total charge for credit will be £936.80 and the total amount payable will be £10,936.80

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for Santander Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £20,000
Loan term: 12 - 60 months

Top choice for

  • You don't have to be their existing customer to apply

Watch out for

  • Compare to other high street banks when applying for the loan they will perform credit check as part of the application process
  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

The bare minimum

  • You must be a permanent resident in England, Wales, Scotland or Northern Ireland
  • You must be at least 21 years of age
  • You must have a bank account/building society with direct debit facilities
  • You will need an e-mail address
  • You will need to provide: all previous addresses from the last 3 years, your email address, your employer's address and postcode, details of your yearly income and monthly outgoings and your bank/building society account details
Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 4.9% APR and an annual interest rate of 4.87% (fixed), you would pay 60 monthly instalments of £187.77. The total charge for credit will be £1,266.20 and the total amount payable will be £11,266.20.

We don't have any reviews
for Smile Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 84 months

Top choice for

  • Competitive 4.9% APR representative on loans between £7,500 and £14,950
  • It doesn't matter if you haven't been in the UK for a specified length of time

Watch out for

  • To apply you must have held a smile current account for over 7 months
  • You must be in full-time, part-time or self-employment earning £800 per month OR in education
  • You must have a good credit history
  • Beware loan rates will differ depending on how much you borrow

The bare minimum

  • It doesn't matter if you haven't been in the UK for a specified length of time
  • You must be aged between 21-69
  • You must be in full-time, part-time or self-employment earning £800 per month OR in education
  • You must have a bank account with credit/debit card facilities
  • You must have a good credit history
  • You need: proof of ID, proof of address (residential history for the last 3 years), details of your employment, your National Insurance Number and proof of income (bank statement, wage slips, etc.)
Representative Example: If you borrow £7,500 over 36 months at a Representative rate of 3.9% APR and an annual interest rate of 3.88% (fixed), you would pay 36 monthly instalments of £221.02. The total charge for credit will be £456.72 and the total amount payable will be £7,956.72.

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for TSB Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 84 months

Top choice for

  • Repayment holidays are available if you meet certain conditions.
  • A personalised quote with no credit footprint
  • Flexible repayment options available

Watch out for

  • You must be their customer for more than 3 months
  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

The bare minimum

  • You must be 18 years of age or older
  • You must be in full-time, part-time or self-employment earning at least £500 per month
  • You must have a good credit history
  • You must have an email address
  • You must have been living in the UK for 3 years or longer
  • You must have had a TSB Current Account with Direct Debit facilities for more than 3 months
Representative Example: If you borrow £7500 over 12 months at a representative rate of 3.4% APR and an annual interest rate of 3.40% (fixed), you would pay 12 monthly instalments of £636.39. The total charge for credit will be £636.68 and the total amount payable will be £7636.68

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for Tesco Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £35,000
Loan term: 12 - 120 months

Top choice for

  • Fixed monthly payments on your chosen date
  • Great APR rate compared to other similar products
  • Payment break option at the start of your loan (subject to eligibility)

Watch out for

  • You need to have a very good credit history to get lower rates
  • Beware loan rates will differ depending on how much you borrow

The bare minimum

  • You must be between the ages of 18 and 74
  • You must be in employment with no probationary period or have regular income eg.a pension
  • You must have lived in the UK for 3 years
  • You must have a good credit history
  • You must have a personal UK current account
Representative Example: If you borrow £7,500 over 60 months at a representative rate of 3.9% APR and an annual interest rate of 3.9% (fixed), you would pay 60 monthly instalments of £137.55. The total charge for credit will be £753 and the total amount payable will be £8,253

We don't have any reviews
for The Royal Bank of Scotland Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 84 months

Top choice for

  • Quick decision when applying online
  • Online quote that won't affect your credit score
  • They allow for loan top-ups (borrowing cannot exceed £25,000)
  • Manage your account using their digital banking service

Watch out for

  • You must be an existing Royal Bank of Scotland current account customer
  • Not suitable if you have bad credit
  • Rates offered will differ dependent on personal circumstances and how much you borrow
  • There is a charge for early repayments

The bare minimum

  • You must be 18 years of age or older to apply
  • You must be a UK resident for 3 years or longer
  • You must be an existing Royal Bank of Scotland current account customer
  • You must have a good credit history
  • You must have a regular income
Representative Example: If you borrow £12,500 over 48 months at a Representative rate of 4.6% APR and an annual interest rate of 4.6% (fixed), you would pay 47 monthly instalments of £285.08 and a final payment of £284.89. The total charge for credit will be £1183.65 and the total amount payable will be £13,683.65

We don't have any reviews
for Yorkshire Bank Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 84 months

Top choice for

  • Allow for loan top-ups
  • Instant decision (during their opening hours)
  • Rates available online, in branch or via telephone
  • Repayment terms of up to 7 years on loan amounts greater than £7,500
  • Rates available online, in branch or via telephone
  • Instant decision (during their opening hours)
  • Allow for loan top-ups

Watch out for

  • Early repayment charges apply
  • Rates offered will differ dependent on personal circumstances and the amount borrowed

The bare minimum

  • You must be aged 18 or over.
  • You have a permanent UK address
  • You have a good credit history
  • You have a UK bank account
  • You have a debit and/or credit card
Representative Example: If you borrow £10,000 over 48 months at a representative rate of 3.3% APR and an annual interest rate of 3.3% (fixed), you would pay 48 monthly instalments of £222.45. The total charge for credit will be £677.60 and the total amount payable will be £10,677.60.

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for Marks & Spencer Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 60 months

Top choice for

  • One of the UK's most-loved brands
  • You don't need to have an M&S account or be an M&S cardholder to apply
  • Better rates if you're an M&S cardholder
  • Repayment holiday for up to 3 months at the start of the loan

Watch out for

  • Tenants need to be at least 30 years of age to qualify
  • Relatively slow application process
  • You'll need to provide verification of income and employment
  • Beware loan rates will differ depending on how much you borrow
  • You must have good credit

The bare minimum

  • You need to provide 3 years address history
  • They'll need 3 months bank statements too
  • You will need an email address to apply
  • Minimum annual income = £10,000
  • You will need to be a UK resident
Representative Example: If you borrow £7.500 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (fixed), you would pay 36 monthly instalments of £240.17. The total charge for credit will be £1,146.12 and the total amount payable will be £8,646.12.

We don't have any reviews
for Creation Personal Loan

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 24 - 60 months

Top choice for

  • Not set up fees

Watch out for

  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

The bare minimum

  • Must have a bank or buiding society account.
  • Must have a good credit rating
  • Must have a minimum income of £12000 per annum
  • Must have been in the UK for the past 3 years
  • You must be at least 25 years old to apply.
  • You will need, a form of ID, A landline telephone number, Your residential history for the past 3 years, Bank account details, Credit/Debit card details
Representative Example: If you borrow £4,000 over 48 months at a Representative rate of 34.2% APR and an annual interest rate of 28% (fixed), you would pay 48 monthly instalments of £143.59. The total charge for credit will be £2,892.32 (including an arrangement fee of £120) and the total amount payable will be £6,892.32.

We don't have any reviews
for eMoney Union

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Average customer rating

0 out of 5

Key Facts
Loan amount: £2,000 - £15,000
Loan term: 24 - 60 months

Top choice for

  • Alternative borrowing option

Watch out for

  • You will be allocated a Risk grade by your Equifax credit score
  • You must register for a User Account before being able to borrow

The bare minimum

  • You must register for a User Account before being able to borrow
  • You must have an email address
  • You must have a bank account
  • You will be allocated a Risk grade by your Equifax credit score
Representative Example: If you borrow £5,500 over 36 months at a Representative rate of 7.9% APR and an annual interest rate of 7.90% (fixed), you would pay 36 monthly instalments of £171.30. The total charge for credit will be £1,166.80 and the total amount payable will be £6,166.80.

We don't have any reviews
for Danske Bank Fixed Rate Personal Loan

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £25,000
Loan term: 12 - 64 months

Top choice for

  • Available to existing and new customers
  • Single and joint applications allowed

Watch out for

  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

The bare minimum

  • You must open a personal current account with Danske Bank
  • You must be over 18 years of age
  • You must have a minimum income of £500 per month
Representative Example: If you borrow £2,800 over 36 months at a Representative rate of 48.0% APR and an annual interest rate of 48.00% (fixed), you would pay 36 monthly instalments of £134.45. The total charge for credit will be £2,040.20 and the total amount payable will be £4,840.20.

We don't have any reviews
for LendFair

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Average customer rating

0 out of 5

Key Facts
Loan amount: £500 - £5,000
Loan term: 6 - 60 months

Top choice for

  • No arrangement fees
  • Easy online application

Watch out for

  • Your guarantor must have good credit
  • You must be over 18 years old

The bare minimum

  • Your guarantor must have good credit
  • You must be over 18 years old
  • You must be able to repay the monthly repayments
Representative Example: If you borrow £5,000 over 60 months at a Representative rate of 17.9% APR and an annual interest rate of 17.90% (fixed), you would pay 60 monthly instalments of £123.15. The total charge for credit will be £2,389.00 and the total amount payable will be £7,389.00.

We don't have any reviews
for beSavvi

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Average customer rating

0 out of 5

Key Facts
Loan amount: £2,000 - £7,499
Loan term: 24 - 60 months

Top choice for

  • Simple Online Application
  • No Paperwork
  • If you are accepted you could have the money in your account in 48 hours
  • Instant decision
  • No charges for overpayments/early settlement

Watch out for

  • Beware of the fee's that apply if you miss a payment
  • If you have a CCJ or Default registered against you in the last 3 years you're unlikely to be accepted

The bare minimum

  • You must have a bank account or building society account
  • You must be over 21 years of age
  • You must be employed or retired with a pension
  • You must be a permanent resident in the UK
  • You need your last 5 years address history
Representative Example: If you borrow £10,000 over 48 months at a Representative rate of 3.2% APR and an annual interest rate of 3.20% (fixed), you would pay 48 monthly instalments of £222.02. The total charge for credit will be £656.96 and the total amount payable will be £10,656.96.

We don't have any reviews
for Ikano Bank

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £15,000
Loan term: 12 - 60 months

Top choice for

  • No early repayment charges
  • Market leading rates
  • Quick application and payout
  • Sign all paperwork online
  • Online account management

Watch out for

  • If you miss a payment you will be charged £25
  • You must have a good credit history
  • Beware loan rates will differ depending on how much you borrow
  • If they are unable to successfully collect your direct debit you will incur a £12 fee

The bare minimum

  • You must be over 18 years of age
  • You must be a UK resident
  • You must have an annual income of at least £10,000
  • You must have a good credit history
  • You need a bank account with a Direct Debit facilty
Representative Example: If you borrow £5,000 over 60 months at a Representative rate of 5.9% APR and an annual interest rate of 5.90% (fixed), you would pay 60 monthly instalments of £96.08. The total charge for credit will be £764.81 and the total amount payable will be £5,764.81.

We don't have any reviews
for Metro Bank

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Average customer rating

0 out of 5

Key Facts
Loan amount: £2,000 - £20,000
Loan term: 12 - 60 months

Top choice for

  • Rates are the same for all customers across all loan amounts
  • No arrangement or default fees

Watch out for

  • You will need a Metro Bank current account in order to apply which will require you to visit your local branch

The bare minimum

  • You must be at least 18 years old
  • You must have a Metro Bank current account
  • You must be a UK resident
Representative Example: If you borrow £2,000 over 48 months at a Representative rate of 48.9% APR and an annual interest rate of 25.83% (fixed), you would pay 48 monthly instalments of £84.73. The total charge for credit will be £2,067.04 and the total amount payable will be £4,067.04.

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for Suco Guarantor Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £15,000
Loan term: 12 - 60 months

Top choice for

  • Guarantor loans up to £15,000
  • You don't need a good credit history
  • No upfront fees
  • You can settle the loan at any point during the term

Watch out for

  • Your guarantor must be a homeowner
  • Your guarantor must be aged between 18-75
  • Your guarantor must be in receipt of a regular income
  • Your guarantor must be a UK resident
  • You cannot be unemployed
  • You must be a homeowner when applying for more than £8000

The bare minimum

  • You must be over 18 years of age
  • You must have a guarantor
  • You must be a UK resident
  • You need to be in employment
  • You must have a UK bank account
Representative Example: If you borrow £7,500 over 60 months at a Representative rate of 3.8% APR and an annual interest rate of 3.80% (fixed), you would pay 60 monthly instalments of £137.22. The total charge for credit will be £733.20 and the total amount payable will be £8,233.20.

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for RAC Personal Loans

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Key Facts
Loan amount: £2,500 - £25,000
Loan term: 24 - 60 months

Top choice for

  • Next day finance if you are successful in your application
  • Quick online application

Watch out for

  • You must have a good credit history
  • Beware loan rates will differ depending on how much you borrow

The bare minimum

  • You're must be aged 18 or over
  • You must hold a UK bank or building society account
  • You must have been a permanent UK resident for a minimum of 12 months
  • You must be in permanent paid employment, self-employed or retired with a pension
Representative Example: If you borrow £4,000 over 48 months at a Representative rate of 39.9% APR and an annual interest rate of 34.05% (fixed), you would pay 48 monthly instalments of £153.60. The total charge for credit will be £3,372.80 and the total amount payable will be £7,372.80.

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for UK Credit Loans

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £10,000
Loan term: 12 - 60 months

Top choice for

  • UK Credit accept tenant guarantors
  • You can get a quote on their website without it affecting your credit history
  • Once your loan has been paid out, you can manage your account online.

Watch out for

  • If your guarantor is a tenant, the max you can apply for is £6000
  • Applications backed by tenant guarantors are more expensive at a Representative 54.9% APR
  • You must have an email address so they can send the loan documents to you

The bare minimum

  • You will need a guarantor with a good credit history to back your application
  • You must be between 18 and 75 to apply
  • You must have a bank account with direct debit facilities to apply
Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 3.4% APR and an annual interest rate of 3.40% (fixed), you would pay 60 monthly instalments of £181.41. The total charge for credit will be £884.60 and the total amount payable will be £10,884.60.

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for Cahoot

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Average customer rating

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Key Facts
Loan amount: £1,000 - £20,000
Loan term: 12 - 60 months

Top choice for

  • Flexible loan terms
  • Quick decisions
  • Fixed monthly repayments

Watch out for

  • You must have an annual income of at least £6,000
  • You must be aged 21 years or over
  • You cannot have been declared bankrupt, had a CCJ or an IVA in the past 6 years
  • Beware loan rates will differ depending on how much you borrow
  • You must have a good credit history

The bare minimum

  • You must have an annual income of at least £6,000
  • You must be aged 21 years or over
  • You cannot have been declared bankrupt, had a CCJ or an IVA in the past 6 years
Representative Example: If you borrow £1,000 over 12 months at a representative rate of 96% APR and an annual interest rate of 69% (fixed), you would pay 1 monthly instalment of £123.31 and 11 monthly instalments of £117.65. The total charge for credit will be £417.46 and the total amount payable will be £1,417.46.

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for Oakam Lift Loan

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1,000 - £5,000
Loan term: 12 - 36 months

Top choice for

  • Flexible Repayments
  • You don't need perfect credit
  • No fees
  • They have a mobile app where you can keep an eye on your loan status and repayments
  • The can speak over 27 languages

Watch out for

  • You must have been in the UK for a minimum of 6months

The bare minimum

  • If you are on benefits, you can only apply for up to £500
  • It doesn't matter if you are employed, unemployed, on benefits, a carer or a homemaker anyone can apply
  • You must have been in the UK for a minimum of 6months
  • You must be 18 years of age or older to apply
Representative Example: If you borrow £500 over 40 days at a Representative rate of 68.7% APR and an annual interest rate of 292% (variable), you would pay 1 instalment of £660.00. The total charge for credit will be £160.00 and the total amount payable will be £660.00.

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for SafetyNet Credit

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Average customer rating

0 out of 5

Key Facts
Loan amount: £1 - £500
Loan term: 1 - 40 days

Top choice for

  • No arrangement fees
  • Automatic repayments when you can afford it
  • Fantastic consumer reviews across the web
  • Flexible borrowing options
  • Mobile management

Watch out for

  • High cost short term product
  • Interest charged on a daily rate

The bare minimum

  • You must be a UK resident
  • You must be in employed receiving a regular income
  • You must be at least 18 years old

Choose Wisely has been rated 4.66 out of 5 by 32 people on Reviews.co.uk

4.66 / 5 Rating
32 Reviews
Excellent choice if you need a loan . Great customer service and even a follow up email. Will definitely be using again if i need to.
I have not had a loan paid out from any company
Very quick and efficient. I would definitely use them again if the need arose.
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